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Will my car insurance cover damage caused by potholes?

Admiral has published a step-by-step guide on claiming pothole compensation, advising motorists to lodge a formal claim with a local council or insurer including a mechanic’s report, repair costs, and photos.
Local councils in England, Wales and Scotland maintain local, B and some smaller A roads, and drivers can claim compensation if the council or Highways Agency failed to keep roads properly repaired.
Lorna Connelly, Head of Claims at Admiral, advises motorists to slow down, check for damage safely, and photograph potholes and vehicle harm since even low-speed impacts can damage tyres, wheels, steering, and suspension.
If you have comprehensive insurance you can claim for pothole damage, but excesses and No Claims Bonus impact apply; rejected claims allow drivers to seek legal advice or take disputes to court.
Immediately after hitting a pothole, note time and location and photograph the scene if safe, get a garage’s written report, and request highway maintenance schedules and incident reports within 14 days.

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